"We moved in in August and the previous people had rented and I didn't know who they were, so I thought it would be fitting to send a reply from Charley," Chapman told the paper, especially after he discovered the person asking for the overdraft fee from a dog was named "Collier."

The letter that Chapman sent in Charley's words included this piece of doggerel: "I have searched every nook and cranny in the house in an attempt to find sufficient funds to repay you. I have found four drachma and 24 pesetas behind the toilet pedestal and under the stairs. I was wondering whether this would meet your needs?"

Once bank officials got the letter, they realized they had pulled a real boner.

McDonald said that neither Chapman, nor Charley owe any money to the bank.

"This is the previous tenant's debt, so they shouldn't worry about it," he said, according to the Metro.

It's unlikely something similar could happen in the U.S., where the law requires that every person who opens a bank account show a valid form of ID, such as a driver's license or birth certificate, according to John Oxford, the Director of External Affairs at Renasant Bank in Tupelo, Miss.

"Some people set up trusts for their animals, but any correspondance would go to the person who set up the account, not the animal," Oxford told The Huffington Post. "I guess in theory you could have a paw print as a signature card but dogs do not have identification by state agencies per se."

This image from television provided by Metro Fire Sacramento shows a horse stuck in an outdoor bathtub prior to being rescued by firefighters Wednesday Feb. 4, 2015. The horse, named Phantom, was stuck in the bathtub for about 25 minutes. Her owner saw the horse fall and called the fire department. Phantom, a Palomino/Appaloosa mix, was not injured. (AP Photo/Metro Fire Sacramento)